Terms of Service

Welcome to Pallium. These Terms of Service (“Terms”) govern your use of the website, platform, and services operated by Insight Finder, LLC dba Pallium (“we,” “our,” “us”). By using our Services, you agree to these Terms. If you do not agree, do not use our Services.

Eligibility

You must be at least 18 years of age (or the age of majority in your jurisdiction) to use our Services. By using the Services, you represent that you meet this requirement.

Changes to Terms

We may update these Terms at any time. Updated Terms will be posted with a new “Last Updated” date. Continued use of the Services after changes constitutes acceptance.

Use of Services

You agree not to:

• Use the Services for unlawful, harmful, or abusive purposes.

• Interfere with or disrupt the operation of the Services.

• Attempt unauthorized access to systems or data.

We may suspend or terminate your access for violation of these Terms.

Accounts

If you create an account, you must provide accurate information and keep your login credentials secure. You are responsible for all activity under your account. Notify us immediately of any unauthorized use.

Intellectual Property

All content, software, and materials in the Services are owned by or licensed to us and protected by law. You may not copy, modify, distribute, or create derivative works without our prior written consent.

Third-Party Services

Our Services may integrate with or link to third-party services. We are not responsible for third-party content, policies, or practices.

Disclaimers

The Services are provided “as is” and “as available.” We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee uninterrupted, error-free, or secure operation.

Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for indirect, incidental, special, consequential, or punitive damages.

• Our total liability for any claims relating to the Services will not exceed the greater of (a) the amount you paid us for the Services in the past 12 months or (b) $100.

Indemnification

You agree to indemnify and hold harmless Pallium, its affiliates, and employees from any claims, damages, or expenses arising from your use of the Services or violation of these Terms.

Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Wyoming, excluding conflict of law principles.

• Informal Resolution: Contact us first to resolve disputes.

• Arbitration: Any unresolved disputes will be settled by binding arbitration under the rules of the American Arbitration Association.

• No Class Actions: You agree to resolve disputes individually and not as part of a class or consolidated action.

Termination

We may suspend or terminate your access to the Services at our discretion, without notice, if you violate these Terms or applicable law.

General Provisions

• Entire Agreement: These Terms constitute the full agreement between you and us regarding the Services.

• Severability: If any provision is unenforceable, the remainder will continue in effect.

• Waiver: Our failure to enforce any right does not waive it.

Contact Information

For questions about these Terms:

Insight Finder, LLC (dba Pallium)

6024 Youngfield Street

Arvada, CO 80004

Email: Ops@palliumai.com

Phone: (800) XXX-XXXX